Endeavor Bank (EDVR) AI Stock Analysis

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Endeavor Bank

(Other OTC:EDVR)

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Rating:84Outperform

Price Target:$24.00▲(19.40% Upside)

Action:reiterated

Date:08/06/26

The overall score is primarily driven by strong financial performance: rapid revenue and cash flow growth, solid profitability, and a healthier leverage profile support confidence in the bank’s fundamentals. Technical indicators add positively, with the price trading above key moving averages and momentum metrics confirming a constructive trend without clear overbought stress. Valuation is supportive but not exceptional, with a reasonable P/E and no dividend, making the stock more of a growth and profitability story than an income play.

Positive Factors

Cash generationConsistent operating and free cash flow that closely tracks net income supports durable internal funding for lending and operations. Over 2–6 months this reduces reliance on markets, preserves strategic flexibility for investments or capital buffers, and indicates high earnings quality.

Negative Factors

Profitability volatilityMarked swings in margins and mid‑single-digit ROE imply earnings are less predictable and returns lag prior peaks. Persistent volatility undermines planning for capital allocation and investor returns, making multi-quarter earnings stability and payout policies harder to rely upon.

Endeavor Bank (EDVR) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $89.08M
Dividend Yield: ―
Average Volume (3M): 1,123
Price to Earnings (P/E): 11.7
Beta (1Y): 0.05
Revenue Growth: 9.67%
EPS Growth: 17.54%
Country: US
Employees: 65
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Endeavor Bank Business Overview & Revenue Model

Company Description

Endeavor Bancorp functions as the parent entity for Endeavor Bank, delivering a comprehensive array of financial products and services. Its client base primarily consists of small and mid-sized businesses, their owners, professionals, and individuals...

How the Company Makes Money

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Endeavor Bank Financial Statement Overview

Summary

Financial performance is strong, driven by rapid revenue growth and solid profitability, with net income rising to $4.5M and net margin at 12.1% in 2025, supported by robust operating margins and excellent cash conversion. The balance sheet shows steadily expanding assets, healthy equity and improved leverage with debt-to-equity down to 0.53, while operating and free cash flows have surged and coverage ratios are very high, indicating strong liquidity. Minor concerns are margin volatility as the bank scales and a recent uptick in leverage, but overall the financials support a high score.

Income Statement

82Very Positive

Balance Sheet

78Positive

Cash Flow

88Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	51.35M	48.35M	39.58M	31.27M	19.47M	17.75M
Gross Profit	33.05M	29.28M	17.40M	19.43M	15.45M	16.12M
EBITDA	10.07M	8.89M	4.56M	6.05M	4.77M	7.47M
Net Income	7.12M	5.62M	3.11M	3.85M	5.57M	5.01M
Balance Sheet
Total Assets	834.96M	771.17M	678.33M	570.15M	480.43M	429.27M
Cash, Cash Equivalents and Short-Term Investments	0	5.87M	102.46M	129.34M	97.09M	96.73M
Total Debt	26.87M	28.13M	27.84M	16.20M	15.98M	1.72M
Total Liabilities	766.77M	718.06M	632.32M	527.62M	442.23M	396.57M
Stockholders Equity	68.19M	53.12M	46.01M	42.53M	38.20M	32.71M
Cash Flow
Free Cash Flow	0	10.59M	5.72M	4.68M	3.11M	7.08M
Operating Cash Flow	0	10.63M	5.79M	4.97M	3.15M	7.12M
Investing Cash Flow	0	-82.52M	-153.00M	-58.47M	-46.90M	-55.42M
Financing Cash Flow	0	81.82M	104.15M	84.39M	46.39M	32.20M

Endeavor Bank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

EDVR against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EDVR	84Outperform	$88.64M	11.68	11.27%	―	9.67%	17.54%
ASRV	70Outperform	$78.66M	8.45	7.48%	2.64%	2.43%	75.47%
CLST	68Neutral	$71.92M	24.05	3.06%	―	31.73%	17.80%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.55M	14.33	6.14%	1.45%	5.94%	51.02%

* Financial Sector Average

Performance Comparison

EDVR and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
EDVR	Endeavor Bank	20.10	4.71	30.59%
ASRV	AmeriServ Financial, Inc.	4.54	1.55	51.84%
TCBS	Texas Community Bancshares, Inc.	17.20	1.53	9.75%
CLST	Catalyst Bancorp, Inc.	17.32	3.31	23.63%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 06, 2026

Endeavor Bank AI Stock Analysis